tag:blogger.com,1999:blog-4723508553825645992024-03-06T10:32:33.234+05:00Institute of Bankers Pakistan ExamineesA blog for people taking exams of Institute of Bankers Pakistan IBP.Banking & Finance Books, Solved Past Papers of IBP.Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.comBlogger75125tag:blogger.com,1999:blog-472350855382564599.post-83831878237490752022015-04-12T12:49:00.001+05:002015-04-12T12:49:22.654+05:00SME Financing Expriences<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-family: sans-serif; font-size: x-small;">I joined Meezan Bank as Credit Manager SME, before adding the word credit to my designation it was just "Manager SME" as it was the much familiar designation within Meezan Bank. Whenever I introduced my self as Manager SME, the next question was "Yeh SME Kya hota hai ?" (What SME means ?) and then I always had to explain the details. So, I ordered my visiting cards with the word Credit before Manager SME which was also my official designation as per HR and I found it a much familiar term among the business community. I wonder if we have developed an alternative term in Urdu for SMEs. </span> <br />
<span style="font-family: sans-serif; font-size: x-small;"> </span> <span style="font-family: sans-serif; font-size: x-small;">We are facing so many challenges and we should be ready so we can effectively tackle them rather than getting demotivated or discouraged by the response. The first para of this post shows the biggest challenge, the "language gap". The SME owner aka "Seth Sahab" do get impressed by the fine suit and tie, but to make them comfortable and speak from their heart, you have to make them comfortable by talking in the language they are most comfortable in. That is the key to the whole relationship, because when you make them comfortable to speak up, they would tell you all the stories and details about them and their business, and that is what you need the most in case of SMEs. These stories would tell you all the qualitative information you need which has the major weightage in case of SMEs. Although quantitative data is important, but qualitative data should be give more weight in assessing an SME client. </span> <br />
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Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com2tag:blogger.com,1999:blog-472350855382564599.post-54395720058852462992015-04-12T12:48:00.000+05:002015-04-12T12:48:00.485+05:00New Time Limitation policy for completion of JAIBP (Effective from Winter-2015)<div dir="ltr" style="text-align: left;" trbidi="on">
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Here are some updates regarding JAIBP. I am reproducing the news given on the below mentioned link,</div>
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• Candidate registered from Winter -2015 & onwards will be given a time frame of 08 years to complete JAIBP.</div>
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<br />• If the candidate is unable to complete the JAIBP program in 08 years, all of the complete and incomplete stage(s) will be lapsed and the candidate(s) will be required to enroll in JAIBP again as a fresh candidate.</div>
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<br />• Candidate registered prior to Winter-2015 will be allowed 08 years from Winter-2015 to complete their JAIBP. If the candidate is unable to complete the JAIBP program by Summer-2023, all of the complete and incomplete stage(s)/part(s) will be lapsed and the candidate(s) will be required to enroll in JAIBP again as a fresh candidate.</div>
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<br />Source : http://www.ibp.org.pk/news.aspx?id=49</div>
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Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com0tag:blogger.com,1999:blog-472350855382564599.post-81657107374446741302014-11-23T12:52:00.001+05:002014-11-23T13:08:31.440+05:00Free IBP eBooks - Download Free IBP eBooks<div dir="ltr" style="text-align: left;" trbidi="on">
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Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com7tag:blogger.com,1999:blog-472350855382564599.post-80712339112233332132014-01-21T17:48:00.000+05:002014-01-22T10:14:29.386+05:00Change in Exam Cycle & ISQ Summer-2014 sessionI have received an email from IBP announcing some changes in their exam cycle and other updates. Main points are mentioned below ,
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<br>Enrollments for ISQ (JAIBP, AIBP & Special Certificate) session of
<br>Summer-2014 are open.
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<br>There are certain changes in IBP exam cycle. From 2014 onwards, the summer
<br>exams shall be held in April while the winter exams shall be held in
<br>October. The Summer 2014 exams are expected in the 3rd week of April.
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<br>Get enrolled for Summer examination session scheduled
<br>for April 2014.
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<br>The last date to enroll
<br>for ISQ Summer-2014 examination is February 15, 2014.
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<br>The exam fee for the upcoming session is PKR, 1500 per subject.
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<br>Please ensure that the payment instrument (Demand Draft/Pay Order) should be
<br>drawn on Karachi branch.
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<br>To download JAIBP examination form please visit
<br><<a href="http://ibp.org.pk/pdfs/files/ISQ">http://ibp.org.pk/pdfs/files/ISQ</a> Form A4.pdf>
<br><a href="http://ibp.org.pk/pdfs/files/ISQ%20Form%20A4.pdf">http://ibp.org.pk/pdfs/files/ISQ%20Form%20A4.pdf</a>
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<br>UAN: (021) 111-IBP-ISQ (<a href="tel:111-427-477" x-apple-data-detectors="true" x-apple-data-detectors-type="telephone" x-apple-data-detectors-result="2">111-427-477</a>)
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<br>E-mail: <a href="mailto:examination@ibp.org.pk">examination@ibp.org.pk</a>
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<br>PABX: <a href="tel:(021)%2035205129;542" x-apple-data-detectors="true" x-apple-data-detectors-type="telephone" x-apple-data-detectors-result="4">(021) 35205129 ext. 542</a>, 548Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com1tag:blogger.com,1999:blog-472350855382564599.post-66392097779797894862013-12-11T09:33:00.000+05:002013-12-11T09:54:40.920+05:00SWIFT - Society for Worldwide Interbank Financial Telecommunication<div><div style="margin: 0px; padding: 0px; border: 0px; vertical-align: baseline;"><p style="margin: 0px 0px 0.7em; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000"><span style="-webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);"><a href="http://en.m.wikipedia.org/wiki/Society_for_Worldwide_Interbank_Financial_Telecommunication" title="Society for Worldwide Interbank Financial Telecommunication" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline; text-decoration: none;">SWIFT</a> or <b style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;">Society for Worldwide Interbank Financial Telecommunication</b> provides a network to allow financial and non-financial institutions (e.g. corporates) to transfer financial transactions through a 'financial message'.</span></font></p><p style="margin: 0px 0px 0.7em; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><span style="-webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">Currently SWIFT's network can support the following message standards:<sup id="cite_ref-1" class="reference" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit;"><a href="http://en.m.wikipedia.org/wiki/SWIFT_message_types#cite_note-1" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline; text-decoration: none;"><span style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;">[</span></a></sup></span></p><p style="margin: 0px 0px 0.7em; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"></p></div><h2 style="margin: 0px; padding: 0.5em 0px; border: 0px; font-weight: inherit; vertical-align: baseline;"><span class="mw-headline" id="SWIFT_MT" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);"><font size="3">SWIFT MT</font></span></h2><div style="-webkit-text-size-adjust: none; margin: 0px; padding: 0px; border: 0px; font-family: 'Helvetica Neue', Helvetica, 'Nimbus Sans L', Arial, 'Liberation Sans', sans-serif; font-size: 14px; line-height: 19px; vertical-align: baseline; color: rgb(37, 37, 37); background-color: rgb(255, 255, 255);"><p style="margin: 0px 0px 0.7em; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">SWIFT messages, developed by <span class="new" title="SWIFT Standards Laboratories Private Limited (page does not exist)" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;">SWIFT Standards Laboratories Private Limited</span>, consist of five blocks of data including three headers, message content, and a trailer. Message types are crucial to identifying content.</span></font></p><p style="margin: 0px 0px 0.7em; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">All SWIFT messages include the literal "MT" (Message Type). This is followed by a 3-digit number that denotes the message category, group and type. Consider the following example, which is an order to buy or sell via a third party:</span></font></p><ul style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline; list-style: square inside;"><li style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">Example: <tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;">MT304</tt></span></font></li></ul><p style="margin: 0px 0px 0.7em; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">The first digit (<tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;">3</tt>) represents the category. A category denotes messages that relate to particular financial instruments or services such as Precious Metals (<tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;">6</tt>), Treasury (<tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;">3</tt>), or Travelers Cheques (<tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;">8</tt>). The category denoted by <tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;">3</tt> is Treasury Markets.</span></font></p><p style="margin: 0px 0px 0.7em; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">The second digit (<tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;">0</tt>) represents a group of related parts in a transaction life cycle. The group indicated by <tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;">0</tt> is a Financial Institution Transfer.</span></font></p><p style="margin: 0px 0px 0.7em; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">The third digit (<tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;">4</tt>) is the type that denotes the specific message. There are several hundred message types across the categories. The type represented by <tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;">4</tt> is a notification.</span></font></p><p style="margin: 0px 0px 0.7em; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">Overview of SWIFT MT Categories:</span></font></p><table class="wikitable" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; padding: 0px; border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; vertical-align: baseline; border-collapse: collapse; overflow-y: hidden; overflow-x: auto; display: block; margin-left: 0px !important; border-spacing: 0px !important; float: none !important; width: 100% !important;"><tbody style="margin: 0px; padding: 0px; border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; vertical-align: baseline;"><tr style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><th style="text-align: start; margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">Message Type</span></font></th><th style="text-align: start; margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">Description</span></font></th></tr><tr style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline; font-size: 17px; line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);"><font color="#000000" face="UICTFontTextStyleBody">MT0xx</font></tt></td><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">System Messages</span></font></td></tr><tr style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline; font-size: 17px; line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);"><font color="#000000" face="UICTFontTextStyleBody">MT1xx</font></tt></td><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">Customer Payments and Cheques</span></font></td></tr><tr style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline; font-size: 17px; line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);"><font color="#000000" face="UICTFontTextStyleBody">MT2xx</font></tt></td><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">Financial Institution Transfers</span></font></td></tr><tr style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline; font-size: 17px; line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);"><font color="#000000" face="UICTFontTextStyleBody">MT3xx</font></tt></td><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">Treasury Markets</span></font></td></tr><tr style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline; font-size: 17px; line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);"><font color="#000000" face="UICTFontTextStyleBody">MT4xx</font></tt></td><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">Collection and Cash Letters</span></font></td></tr><tr style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline; font-size: 17px; line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);"><font color="#000000" face="UICTFontTextStyleBody">MT5xx</font></tt></td><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">Securities Markets</span></font></td></tr><tr style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline; font-size: 17px; line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);"><font color="#000000" face="UICTFontTextStyleBody">MT6xx</font></tt></td><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">Treasury Markets - Metals and Syndications</span></font></td></tr><tr style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline; font-size: 17px; line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);"><font color="#000000" face="UICTFontTextStyleBody">MT7xx</font></tt></td><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">Documentary Credits and Guarantees</span></font></td></tr><tr style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline; font-size: 17px; line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);"><font color="#000000" face="UICTFontTextStyleBody">MT8xx</font></tt></td><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">Travellers Cheques</span></font></td></tr><tr style="margin: 0px; padding: 0px; border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; vertical-align: baseline;"><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><tt style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline; font-size: 17px; line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);"><font color="#000000" face="UICTFontTextStyleBody">MT9xx</font></tt></td><td style="margin: 0px; padding: 3px; border: 0px; font-style: inherit; font-variant: inherit; vertical-align: baseline;"><font color="#000000" face="UICTFontTextStyleBody" size="3"><span style="line-height: normal; -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);">Cash Management and Customer Status</span></font></td></tr></tbody></table></div><br><span style="-webkit-text-size-adjust: auto;"></span></div><div><br></div><div>Source : www.wikipedia.org</div>Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com0tag:blogger.com,1999:blog-472350855382564599.post-54650854265706738162013-06-18T12:05:00.000+05:002013-06-18T12:05:43.076+05:00SMEs are now further classified into SEs & MEs<div dir="ltr" style="text-align: left;" trbidi="on">
In the recent issue of PRs SBP has further categorized SMEs into Small Enterprises (SE) and Medium Enterprises (ME) on the basis of below mentioned criteria,<br />
<div>
<br />
<blockquote type="cite">
<span style="font-family: Calibri; font-size: medium;"><b><u>Definition of Small Enterprise</u> </b></span><br />
<span style="font-family: Calibri;">A Small Enterprise (SE) is a business entity which meets both the following parameters: </span><br />
<table border=""> <tbody>
<tr valign="top"><td><span style="font-family: Calibri;"><b>Number of Employees</b></span></td><td><span style="font-family: Calibri;"><b>Annual Sales Turnover</b></span></td></tr>
<tr valign="top"><td><span style="font-family: Calibri;">*Up to 20</span></td><td><span style="font-family: Calibri;">Up to Rs. 75 million</span></td></tr>
</tbody></table>
<br />
<span style="font-family: Calibri;"><b>*</b></span><span style="font-family: Calibri;"><i>including contract employees</i></span><span style="font-family: Calibri;"> </span><br />
<br />
<span style="font-family: Calibri; font-size: medium;"><b><u>Definition of Medium Enterprise </u></b></span><br />
<span style="font-family: Calibri;">Medium Enterprise (ME) is a business entity, ideally not a public limited company which meets both the following parameters: </span><br />
<table border=""><tbody>
<tr valign="top"><td><span style="font-family: Calibri;"><b>*Number of Employees</b></span></td> <td><span style="font-family: Calibri;"><b>Annual Sales Turn-Over</b></span></td></tr>
<tr valign="top"><td><span style="font-family: Calibri;">21-250 (Manufacturing & Service MEs) </span><br />
<span style="font-family: Calibri;">21- 50 (Trading MEs)</span></td><td><span style="font-family: Calibri;">Above Rs 75 million and up to Rs 400 million </span><br />
<span style="font-family: Calibri;">(All types of Medium Enterprises)</span></td></tr>
</tbody></table>
<br />
<span style="font-family: Calibri;"><b>*</b></span><span style="font-family: Calibri;"><i>including contract employees</i></span> </blockquote>
</div>
</div>
Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com2tag:blogger.com,1999:blog-472350855382564599.post-6758317578931519152013-05-23T17:25:00.000+05:002013-05-23T17:25:29.916+05:00Revised Prudential Regulations for Small and Medium Enterprise (SME) Financing<div dir="ltr" style="text-align: left;" trbidi="on">
<blockquote type="cite">
<span style="font-family: Arial;">SBP has issued IH&SMEFD Circular No. 08 of 2013 in which they have issued revised PRs for Small & Medium Enterprises. Before this SBP issued separate Prudential Regulations (PRs) for SMEs in 2003 which has now further been revised with the following structure<b>:</b></span><br />
<br />
<span style="font-family: Arial;">1. General Prudential Regulations that apply on both Small and Medium Enterprises</span><br />
<span style="font-family: Arial;">2. Specific Prudential Regulations for Small Enterprise Financing</span><br />
<span style="font-family: Arial;">3. Specific Prudential Regulations for Medium Enterprise Financing</span><br />
<br />
<span style="font-family: Arial;">Revised PRs are applicable with immediate effect for the fresh financing facilities. However, since the banks/DFIs need to segregate their existing SME portfolio according to the new definitions and revised classification criteria, Banks/DFIs are allowed a maximum implementation period upto September 30, 2013 for their existing portfolio. </span><br />
<br />
<span style="font-family: Arial;">Revised Regulations (R-1) specifically require banks to prepare a comprehensive SME specific Credit Policy duly approved by BoDs. Risk Management Department is also requested to update existing policies, guidelines and procedures (including TAT as per SE R-10) to the effect and accordingly its approval from concerned quarters.</span><br />
<br />
<span style="font-family: sans-serif;">In these PRs they have provided different definition of Small Enterprises and for Medium Enterprises. This is because banks were probably much focusing on the medium level enterprises and small enterprises which are more in number and have much more need of bank credit, were being neglected. </span><br />
<br />
<span style="font-family: sans-serif;">This seems a good step, as this shows that SBP is constantly working on their strategy of bringing credit for small businesses which play a very vital role in the development of economy. </span></blockquote>
</div>
Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com0tag:blogger.com,1999:blog-472350855382564599.post-42487032547796498582013-05-23T17:04:00.001+05:002013-05-23T17:04:24.171+05:00Why you took comprehensive test ?<div dir="ltr" style="text-align: left;" trbidi="on">
<blockquote type="cite">
<span style="font-family: sans-serif;">Few Days back I got a call from Marketing Department of IBP in which they asked me that why you took comprehensive test for Charter Banker ? What was your motivation behind that? My answer was simple, "The tag of Chartered Banker".</span><br />
<br />
<span style="font-family: sans-serif;">Question comes in mind, why I need that ? Is that worth spending efforts, time and money? would it pay me back something ? Is that really necessary for my banking career? My Answer would be yes ! Although its new in Pakistan but this standard for banking qualification might earn repute in the coming days and it might be helpful for you in getting a good job or for showing off on your CV or Business card. But currently it seems that people don't care much about this certification. IBP has to develop and market it into a brand so people who are earning this charter should feel proud of it and get some reward from their organization. </span> <br />
<br />
<span style="font-family: sans-serif;">However, another motivation behind this comprehensive test was that I would be able to review all the books once again before I go to AIBP exam in the coming winter. As this is very important to refresh your knowledge which fades away in your busy office routine. </span> <br />
<br />
<span style="font-family: sans-serif;">The guide hinted that the response of comprehensive test would be pleasent ! So, hope for the best and get ready to show off your Charter of Certified Banker !</span> <br />
<span style="font-family: sans-serif;"><br /> Good Luck !</span> <br />
<br />
<br /></blockquote>
</div>
Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com1tag:blogger.com,1999:blog-472350855382564599.post-5308706770160405392013-05-23T17:01:00.001+05:002013-05-23T17:01:29.115+05:00Islamic Banks restrained by SBP to give special deposit rates<div dir="ltr" style="text-align: left;" trbidi="on">
Islamic banks were providing special deposit rates to their customer
<br />
by foregoing their own share of profit. This practice was adopted by
<br />
the banks to compete in the highly challenging Enviornment of banking.
<br />
However, objecting this practice, SBP has barred the Scheduled Islamic
<br />
Banks to distribute profits with special premiums.
<br />
SBP has issued circular No.3 dated Nov 19, 2012 in this regard with
<br />
subject "Instructions for Profit & Loss Distribution and Pool
<br />
Management or Islamic Banking institutions "
<br />
<br />
Some Islamic Bankers are of the view that this step was done to curb
<br />
the high growth in deposits of Islamic Banks.
<br />
<br />
<br />
However, SBP has taken a stance that this step would bring more
<br />
transparency, disclosure & standardization to the Islamic Banking
<br />
System.</div>
Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com0tag:blogger.com,1999:blog-472350855382564599.post-43184826655711890072012-07-05T21:38:00.001+05:002012-07-05T21:38:20.864+05:00Comprehensive Exam - Experience<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: justify;">
It was June, it was hot, loadshedding was on its peak and IBP is <span style="background-color: white;">taking a comprehensive exam for Chartered Banker Certification !</span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Exam started at sharp 9. There were about 60 candidates which <span style="background-color: white;">comprised of different age groups. Air Conditioning of SBP building </span><span style="background-color: white;">was giving a true example that these are premises of Government ! A </span><span style="background-color: white;">total failure it was ! Pedistal Fans and </span><span style="background-color: white;">water</span><span style="background-color: white;"> at </span><span style="background-color: white;">room temperature was </span><span style="background-color: white;">the last hope to survive those six hours of exam !</span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
"...... Ok ! Stop your boring stories and tell us how was the exam !!!!"
</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Exam was comprehensive ! First three hours it was objective portion <span style="background-color: white;">which had 115 questions. Questions were covering almost all subjects </span><span style="background-color: white;">of the syllabus and difficulty level was mixed! Over all paper </span><span style="background-color: white;">was well designed and questions were good ! The only issue was hot </span><span style="background-color: white;">weather !</span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
After a two hours break it was a subjective portion containing about <span style="background-color: white;">15 questions ! This was mostly narrative with a few numerical </span><span style="background-color: white;">questions of accounting ! Questions were checking both your </span><span style="background-color: white;">theoretical and practical knowledge !</span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Most of the candidates were saying that they came without any <span style="background-color: white;">preparation. But as it is said never underestimate your enemy, so this time, it is hard to pass if you have not covered the syllabus. </span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Anyways good luck ! and try to take such exams in winter ! or IBP should conduct such exams with better arrangements.</div>
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</div>Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com3tag:blogger.com,1999:blog-472350855382564599.post-28891784112190787422012-05-19T19:03:00.002+05:002012-05-19T19:03:16.704+05:00Comprehensive Exam<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
</div>
<br />
Yesterday I received call from IBP office in which they asked me about
<br />
the preferred location for Comprehensive Test ! There are three test
<br />
centres at Lahore, Islamabad & Karachi. Most probably the test centres
<br />
would be in the premises of SBP. Comprehensive test would held on June
<br />
16, 2012.
<br />
<br />
When I further inquired they told that books for comprehensive would
<br />
the same for JAIBP. There is also an outline available on IBP website
<br />
which would help in getting idea about the questions in comprehensive
<br />
exam.
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.ibp.org.pk/images/pic4_new.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="126" src="http://www.ibp.org.pk/images/pic4_new.jpg" width="400" /></a></div>
<br /><br />
<br />
<br />
<br />
<br />
<br />
<br />
I also learned that those who are taking comprehensive exam can also
<br />
take AIBP exams which are in May 2012.
<br />
<br />
A friend was telling that IBP didn't get any significant response for
<br />
comprehensive exam that's why there are few test locations. Might be
<br />
banker didn't realized the actual worth of the charter banker
<br />
accreditation. Or might be the idea of comprehensive exam is not
<br />
conveyed properly.
<br />
<br />
Anyways ! Good luck to all the examinees ! I would be taking
<br />
comprehensive test in Lahore inshallah !
<br />
<br />
</div>Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com3tag:blogger.com,1999:blog-472350855382564599.post-26593474780416290592012-04-07T23:37:00.000+05:002012-04-07T23:37:05.130+05:00Lets prepare for IBP exams !<div dir="ltr" style="text-align: left;" trbidi="on">Things you should have before beginning !<br />
<br />
Make sure you have got your self registered for the exams !<br />
<br />
Get IBP books and reference books (as many as you can get)<br />
To get the books, first checkout the syllabus here >>> <a href="http://www.ibp.org.pk/isqsyllabus1.aspx">http://www.ibp.org.pk/isqsyllabus1.aspx</a><br />
Once you know which books you need, check the prices from here >>> <a href="http://www.ibp.org.pk/isq_books.aspx">http://www.ibp.org.pk/isq_books.aspx</a><br />
For practice check out the past papers of IBP here >>> <a href="http://www.ibp.org.pk/previuos_exams.aspx">http://www.ibp.org.pk/previuos_exams.aspx</a><br />
<br />
For a thorough study, first read the books and then solve the papers,<br />
and for those who like selective study, first go through the past papers of IBP (Institue of Bankers Pakistan) and find their answers from the reference books.<br />
<br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiH-DS8TsEXl3kJti_HI7Q_ymlmyCFg6MkKu_8qVRSC7CC9KKd3bwLNEx4wJwZJApfWqRkL63iYSjimbdRGaF57tTG3WCO4Kbm6mQHUPiAzvBrY9SovTIqdGNO8EU09JF8T_C23BVWpy3w/s1600/Exam-2.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiH-DS8TsEXl3kJti_HI7Q_ymlmyCFg6MkKu_8qVRSC7CC9KKd3bwLNEx4wJwZJApfWqRkL63iYSjimbdRGaF57tTG3WCO4Kbm6mQHUPiAzvBrY9SovTIqdGNO8EU09JF8T_C23BVWpy3w/s320/Exam-2.gif" width="224" /></a></div><br />
<br />
If you have queries, you can discuss it on our facebook page <a href="http://www.facebook.com/ibp.ex">http://www.facebook.com/ibp.ex</a> with other IBP (Institue of Bankers Pakistan) examinees.<br />
There are various relevant books available in soft form on this blog. Get benefit from them.<br />
You would also find solved papers and past papers of IBP on this blog.<br />
<br />
Good Luck !</div>Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com17tag:blogger.com,1999:blog-472350855382564599.post-44625645870481291752012-04-02T20:45:00.000+05:002012-04-02T20:45:21.665+05:00All these Giants ! Collared by IT guys !<div dir="ltr" style="text-align: left;" trbidi="on">All these big corporations are now heavily dependent on their IT<br />
departments ! And offcourse their IT people have made them sure that<br />
they are the best, but the management can only realize untill there is<br />
a security breach by some hacker!<br />
<div class="separator" style="clear: both; text-align: center;"><a href="http://dressysjp.files.wordpress.com/2012/03/hot-under-collar1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="http://dressysjp.files.wordpress.com/2012/03/hot-under-collar1.jpg" width="320" /></a></div><br />
I am surprised that how vulnerable we are in the era of IT where there<br />
are no checks by the regulators that how organizations are managing<br />
their IT security and there are very few standards available in our<br />
country!<br />
<br />
We are now introducing branch-less banking through internet banking and mobile banking and all these avenues are no doubt very useful, but alongwith their huge business potential they bring in some risks which should be dealt pro-actively.<br />
<br />
I hope SBP would have prepared some rules for that, but we have to think about it before the hackers get them ! Whole organizations now depends upon these IT departments and especially in case of banks which are now going towards centralization through implementation of new Banking Softwares. This centralization increases the operational risk in case there is some security breach !<br />
<br />
Just a point to ponder !<br />
<br />
</div>Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com0tag:blogger.com,1999:blog-472350855382564599.post-66567799096310566142012-03-20T00:43:00.000+05:002012-03-20T00:43:03.738+05:00Banking Practices in Pakistan - Vernacular Form & Urdu Signatures<div dir="ltr" style="text-align: left;" trbidi="on"><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">There are various practices and rules in banks which do have some </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">reason behind, but still they seems so confusing. Today while a client </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">was requesting to open his account in bank the account opening officer </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">told him to use 'English' signatures as the one in Urdu are considered </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">risky and requires a vernacular form. Similar thing happens when an </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">illiterate person requests to open an account.</span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;"> The interesting thing </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">is that Urdu is our National Language and about 70% of population uses </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">and prefer Urdu language. When they try to do sign in their national </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">language, banks ask them to do signatures in English ! And another more </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">interesting thing is that if they do use their Urdu signatures they </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">are not only discouraged but they have to sign an undertaking in shape </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">of vernacular form which is in English and in most of the cases the </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">person signing it doesn't know what's written on it. Although bank </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">officials have to translate it for them and read all terms and </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">conditions for them in their native language, but most of the times </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">this doesn't happen because if they do so, the person would not dare to </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">open account with conditions where bank is exempted from all the responsibilities; in case </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">there is a misuse of signatures.In my view this practice should be reviewed in order to facilitate and </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">protect the client! We should not discourage use of their native </span><span style="background-color: white; color: #333333; font-family: 'trebuchet ms', verdana, arial, sans-serif; font-size: 13px; line-height: 18px; text-align: -webkit-auto;">language as they would be more comfortable in that.</span><br />
<ol style="text-align: left;"><li><a href="http://pakistancriminalrecords.com/wp-content/uploads/2010/08/052.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" height="237" src="http://pakistancriminalrecords.com/wp-content/uploads/2010/08/052.jpg" width="320" /></a></li>
</ol><br />
<br />
</div>Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com7tag:blogger.com,1999:blog-472350855382564599.post-9910347828037427842012-03-10T22:32:00.000+05:002012-03-10T22:32:30.546+05:00Use Internet Explorer to Open Uploaded Files on Blog<div dir="ltr" style="text-align: left;" trbidi="on">I have uploaded various documents including solved papers. Some readers are facing difficulty in opening them, I have checked and it is recommended that open those links in internet explorer as they are working there fine !<br />
<br />
<div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/--eATjTL0YXs/T1uQJe7nsJI/AAAAAAAAFw0/LBjjns9w3nY/s1600/internet-explorer.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="http://1.bp.blogspot.com/--eATjTL0YXs/T1uQJe7nsJI/AAAAAAAAFw0/LBjjns9w3nY/s320/internet-explorer.jpg" width="320" /></a></div><br />
</div>Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com1tag:blogger.com,1999:blog-472350855382564599.post-72795836177950970982012-03-09T12:29:00.002+05:002012-03-09T14:08:25.769+05:00Can I get a Job in the Bank After Passing JAIBP ?<font size=2 face="sans-serif">A lot of readers ask me that : <b>Would I get job in a bank after passing JAIBP (Junior Associate of Institute of Bankers Pakistan) ?</b> </font> <br />
<br />
<font size=2 face="sans-serif">To be realistic, this is not necessary that you would get a job after passing this certification, but this doesn't mean that JAIBP is useless and have no benefit. It has its own worth. Its the only banking certification in Pakistan which is known and recognized by all the banks and financial institutions. It cannot assure you a job, but it would definitely assure you an interview call. People having this certification are more likely to be interviewed, rather than a simple graduate. Not only in bank, but also in the companies who are extensively dealing with banks. And it depends upon your interview performance that whether you would get the job or not !</font> <br />
<br />
<font size=2 face="sans-serif">With the increase in Financial Literacy among the business community, they would prefer to hire a person who knows the practices of Banking industry that would help their business in utilizing the bank services efficiently beside regular banking transactions.</font> <br />
<br />
<font size=2 face="sans-serif">So ! its YOU who can assure yourself a job ! </font> <br />
<br />
<br />
<font size=2 face="sans-serif">Prepare well ! Invest your time in it ! Good Luck ! </font>Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com2tag:blogger.com,1999:blog-472350855382564599.post-38320258846257323242012-03-09T12:20:00.002+05:002012-03-09T14:09:00.763+05:00Eligibility Criteria for the JAIBP Program<font size=2 face="sans-serif">After their affiliation with Chartered Banker Institute UK, IBP has revised the eligibility Criteria for JAIBP. They have given the following details on their website,</font> <br />
<br />
<br />
<font size=2 face="sans-serif"><u>Quote:</u></font> <br />
<br />
<font size=2 face="sans-serif">The entry criterion for the JAIBP program has been revised for candidates enrolling from July 2011 onwards. JAIBP is open for the following:</font> <br />
<br />
<font size=2 face="sans-serif">1.<b>Graduates</b> in any discipline with a minimum <b>2nd Division</b></font> <br />
<br />
<font size=2 face="sans-serif">AND</font> <br />
<br />
<font size=2 face="sans-serif">2. Students who are <b>pursuing </b>their degree in a 4-year undergraduate program (post Intermediate/A levels or equivalent) are eligible to enroll for the ISQ program <b>during their 3rd or 4th year of study</b>. Students who are pursuing their degree in a <b>2-year undergraduate</b> program (post Intermediate/A levels or equivalent) are eligible to enroll for the ISQ program <b>during their final year of study</b>.</font> <br />
<br />
<font size=2 face="sans-serif">Documentation required for students registering in the ISQ program will be <b>attested mark sheet</b> for Intermediate or A levels with a <b>pass grade of 45% </b>and a letter from their academic institution confirming their enrollment in the specified undergraduate program. The award of the completed JAIBP qualification would be <b>subject to the candidate having a graduate degree</b>.</font> <br />
<br />
<br />
<font size=2 face="sans-serif">Note: More details about the program can be found in the ISQ Handbook or on the IBP website: www.ibp.org.pk</font> <br />
<br />
<font size=2 face="sans-serif"><u>Unquote</u></font> <br />
<br />
<a href="http://1.bp.blogspot.com/-ocBvX9hzqHI/T1mvQq9jXFI/AAAAAAAAFwg/09uOxs-MHXE/s1600/bm-image-734543.gif"><img src="http://1.bp.blogspot.com/-ocBvX9hzqHI/T1mvQq9jXFI/AAAAAAAAFwg/09uOxs-MHXE/s320/bm-image-734543.gif" border="0" alt="" id="BLOGGER_PHOTO_ID_5717793902868782162" /></a>Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com0tag:blogger.com,1999:blog-472350855382564599.post-86309680177201102872012-03-06T21:09:00.000+05:002012-03-06T21:09:31.852+05:00Comprehensive Exam for Associate Chartered BankerIBP has offered this new Comprehensive exam after getting JAIBP accredited from the Chartered Banker Institute UK. I passed my JAIBP in Winter 2009 and yesterday I got this email from Project Co-ordinator - Organization development who told me about this oppurtunity to get certified from this International Institute. <br />
<br />
Well ! I have filled the form and applied for the comprehensive exam which would cost about PKR 7500/- as examination fee and later I have to submit some fee in GBP to get the title of Associate Chartered Banker. Last date for registration is March 31, 2012.<br />
<br />
It seems catchy ! Like other professionals bankers would get some title to show off! Another side is that we are almost out of touch from books since three years and through this we have to do a thorough study of all the subject and all the topics ! Seems tough ! And they have also hinted somewhere in the instructions that prepare well as they would go deep in things. There would be a three hour Objective MCQs based test and then there would be a subjective test for another three hours. Locations are only the big cities i.e. Karachi, Lahore, Islamabad/Rawalpindi.<br />
<br />
Now, I would gradually dig out all the preparation material and would post my experiences to share with you guys ! If anyone out there wana share their experience, Most welcome ! and it would be more pleasing if you share some study & preparation material with us ! Solved Papers are real treat ! Real Hot Cakes ! So do share ! Do share if you have soft copies of books!Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com1tag:blogger.com,1999:blog-472350855382564599.post-31190963848955348712012-03-06T00:36:00.000+05:002012-03-06T00:36:00.928+05:00Spring 2012 - Get RegisteredToday is the last date of registration for JAIBP . Get yourself registered ! <br />
<br />
Examinations for Summer 2012 are expected to commence from May 21st, 2012. Detailed, confirmed schedule will be available in the coming months.<br />
<br />
<br />
Also those who have done JAIBP there is comprehensive exam for you against which you would get <br />
Chartered Banker Certification. <br />
<br />
Here are some details about comprehensive exam I found on IBP website,<br />
<br />
<br />
Comprehensive bridge exam is for those candidates who have successfully completed their JAIBP program and would like to get Chartered Banker certification and become eligible for use of Associate Chartered Banker title.<br />
<br />
Eligibility:<br />
<br />
All those who are registered in the ISQ program and have completed their Junior Associateship with IBP are eligible.<br />
Those candidates who are either currently enrolled for the AIBP program or have completed the AIBP program are also eligible.<br />
Exam Structure:<br />
<br />
The comprehensive exam will have an objective and subjective section which will cover all the areas of the compulsory subjects of the current JAIBP curriculum. Each section will be tested separately and will span over 3 hours. The structure is expected to be as under:<br />
<br />
<br />
Registration and Exam Schedule:<br />
<br />
Registration for the Comprehensive exam is from January 2012 and will remain open till March, 2012. Last date of registration for comprehensive exam is 31st March, 2012.<br />
<br />
Comprehensive exam is expected to be held on the 3rdSunday of June 2012. <br />
<br />
Registration and Exam Fee:<br />
<br />
The fee for the Comprehensive Exam will be: PKR 7,500 payable to the Institute of Bankers, Pakistan in the form of a pay order or demand draft.<br />
<br />
On passing the exam, membership fee with Chartered Banker Institute as an Associate Chartered Banker will be GBP 30, payable to the Chartered Banker Institute.<br />
<br />
Syllabus Coverage:<br />
<br />
The exam will cover the topics from the JAIBP compulsory courses. For a summary outline on each course please visit www.ibp.org.pk<br />
<br />
For detailed course information, please refer to the course Syllabus Guide available on IBP website<br />
<br />
Candidates are advised to study at higher cognitive levels. The exam is expected to test deeper understanding and application levels for the syllabus identified.Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com0tag:blogger.com,1999:blog-472350855382564599.post-88065060979855574192011-11-17T23:59:00.000+05:002011-11-17T23:59:17.819+05:00Advances in Banking Technology and Management<div dir="ltr" style="text-align: left;" trbidi="on"><br />
<div class="separator" style="clear: both;">E-Book for those who want to get more knowledge about current advancements in banking technologies. I hope it would be helpful for those examinees who are taking the exam of Information Technology in Financial Services.</div><div class="separator" style="clear: both; text-align: center;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/-rjXh6Fa-dXg/TsVXvCqf5tI/AAAAAAAAFv4/NCzP3cWVYnI/s1600/Capture.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="204" src="http://1.bp.blogspot.com/-rjXh6Fa-dXg/TsVXvCqf5tI/AAAAAAAAFv4/NCzP3cWVYnI/s320/Capture.PNG" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://docs.google.com/open?id=0B26cFeYyZ30UMzUxNGMzNDUtYzliNi00ZGFlLWE1ZGItYjNmNGYwZTE4YTlk" target="_blank">Advances_in_Banking_Technology_and_Management</a></div><div><br />
</div></div>Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com2tag:blogger.com,1999:blog-472350855382564599.post-37416088240808402672011-09-29T21:08:00.001+05:002011-09-29T21:08:57.559+05:00Solved Papers of IBP - Stage 3<div dir="ltr" style="text-align: left;" trbidi="on">Dear Examinees !<br />
<br />
I am pleased to share some solved papers with you guys ! Please follow the below mentioned link to get solved papers of IBP. You can view and download them !<br />
<br />
<a href="https://docs.google.com/leaf?id=0B26cFeYyZ30UMzNkNzY2YWUtOTA5ZC00MGMwLTk1NDEtOTdkYmRlMjAzYmNm&hl=en_US">Solved Papers IBP - Stage III</a><br />
<br />
Here I would again give thanks to Mr. Muhammad Ahmad Qadar who shared these solved papers with us.<br />
<br />
If you or your friends have any material which can help the examinees in preparation, please send it to my email address and I shall be very thankful to you!<br />
<br />
Examinees ! I hope these solved papers of IBP would help you in preparation for the exams.<br />
<br />
May Allah bless you success and more knowledge !</div>Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com23tag:blogger.com,1999:blog-472350855382564599.post-87890422423444779022011-09-22T07:53:00.001+05:002011-09-22T08:00:20.446+05:00Past Papers of IBP available Now !<div dir="ltr" style="text-align: left;" trbidi="on">Dear Examinees !<br />
<br />
I am pleased to share all past papers of IBP with you guys ! I am very thankful to Mr. Muhammad Ahmad Qadar who emailed me all the papers along-with solved papers of stage-III.<br />
<br />
All past papers are available on this blog which you can view and download.<br />
<br />
Follow this link to access all the previous papers of IBP,<br />
<br />
<a href="https://docs.google.com/leaf?id=0B26cFeYyZ30UM2RiZWQ4YTktYjBlNC00OTY1LTg1MWMtYmU5OGJlMzkxN2U4&hl=en_US">Past Papers of IBP</a><br />
https://docs.google.com/leaf?id=0B26cFeYyZ30UM2RiZWQ4YTktYjBlNC00OTY1LTg1MWMtYmU5OGJlMzkxN2U4&hl=en_US<br />
<br />
I hope that these papers would help you guys in preparing for the upcoming IBP exams.<br />
<br />
Good Luck !</div>Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com35tag:blogger.com,1999:blog-472350855382564599.post-37517558893627422832011-09-18T09:03:00.002+05:002011-09-21T21:56:59.163+05:00Getting IBP Books without visiting their centers !<div dir="ltr" style="text-align: left;" trbidi="on">As Registration for upcoming Winter exam is going on with Sep 20, 2011 most of the new examinees have this question in mind that how to get <a href="http://www.ibp.org.pk/">Institute of Bankers Pakistan (IBP) </a> books without visiting their centers.<br />
<br />
<a href="http://www.ibp.org.pk/">Institute of Bankers Pakistan (IBP) </a> offers various reference books for their examinees to help them prepare for the exams. These books are well written and are available on a very reasonable price. You can find the list of all reference books on the following link<br />
<br />
<a href="http://www.ibp.org.pk/isq_books.aspx">ISQ Reference Books </a> <a href="http://www.ibp.org.pk/isq_books.aspx">http://www.ibp.org.pk/isq_books.aspx</a> <br />
<br />
These books are available at their Head office ,<br />
<br />
<b>The Institute of Bankers Pakistan<br />
Moulvi Tamizuddin Khan Road, Karachi - 74200, Pakistan<br />
Phones : (92-21) 35680783- 35689718- 35694244 - 35694247<br />
Fax: (92-21) 35683805 - 35222416</b><br />
<b><br />
</b><br />
Books can also be purchased from their local offices. Compete address of their local offices can be found through the following link,<br />
<br />
<a href="http://www.ibp.org.pk/">Institute of Bankers Pakistan </a> <a href="http://www.ibp.org.pk/location.aspx">IBP Centers Address</a> <a href="http://www.ibp.org.pk/location.aspx">http://www.ibp.org.pk/location.aspx</a><br />
<br />
<a href="http://3.bp.blogspot.com/-9EOK1ntfMkU/TnVqkw6hVdI/AAAAAAAAFvs/gZ0Rpu0kI3M/s1600/map2.png"><img border="0" src="http://3.bp.blogspot.com/-9EOK1ntfMkU/TnVqkw6hVdI/AAAAAAAAFvs/gZ0Rpu0kI3M/s320/map2.png" /></a><br />
<br />
It is better that you visit their centers to purchase your desired book, but sometimes there is shortage of books on IBP local centres or due to our busy routines we do not get time to visit their centres in-person; in that case write a simple letter containing details about the requisite books (<a href="http://www.ibp.org.pk/isq_books.aspx">ISQ Reference Books </a><a href="http://www.ibp.org.pk/isq_books.aspx">http://www.ibp.org.pk/isq_books.aspx</a>) to <a href="http://www.ibp.org.pk/">Institute of Bankers Pakistan (IBP) </a> along-with a demand draft containing the price amount of that book plus courier charges (Rs. 100 for every book checked from IBP on Sep 20, 2011) and <a href="http://www.ibp.org.pk/">Institute of Bankers Pakistan (IBP) </a> will send the requested books on your mentioned address. To get latest details and procedure about reference books you can email on <a href="mailto:publications@ibp.org.pk">publications@ibp.org.pk</a><br />
<br />
Beside those reference books published by <a href="http://www.ibp.org.pk/">Institute of Bankers Pakistan (IBP) </a> I would highly encourage the <a href="http://www.ibp.org.pk/">Institute of Bankers Pakistan (IBP) </a>examinees to use the reference e-books I have posted on my blog. Those books are free to download and they are very good for reference purposes. It is very easy to carry and share them and also you can search the required topic with in few seconds. <br />
<br />
Plan it, Prepare it and give out your best ! you will surely succeed !<br />
<br />
I wish you all good luck !</div>Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com7Gujrat, Pakistan32.5737972 74.07893890000002632.5066747 74.017698900000028 32.640919700000005 74.140178900000024tag:blogger.com,1999:blog-472350855382564599.post-22632439280281089612011-09-15T22:51:00.002+05:002011-09-21T22:08:34.422+05:00New Exam Schedule Announced !<div dir="ltr" style="text-align: left;" trbidi="on">Exam schedule for Winter 2011 has been announced on IBP website. Click on the following link to download the schedule<br />
<br />
<a href="http://www.ibp.org.pk/pdfs/files/ISQ_ExamSchdule_Winter2011_f2.pdf">Exam Schedule Winter 2011 </a><br />
<br />
[http://www.ibp.org.pk/pdfs/files/ISQ_ExamSchdule_Winter2011_f2.pdf]<br />
<br />
Last date for registration is September 20, 2011<br />
<br />
One Time Registration Fee is Rs. 8000 and per subject fee is Rs.1000.<br />
<br />
So get registered if already not ! and if registration done then seriously start preparation for the exams !<br />
<br />
Remember ! " More you sweat in peace, less you bleed in war ! "<br />
<br />
Good Luck !</div>Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com2tag:blogger.com,1999:blog-472350855382564599.post-67788648838371600322011-08-12T21:17:00.000+05:002011-08-12T21:17:41.332+05:00e-Book : Monetary Theory & Practice<div dir="ltr" style="text-align: left;" trbidi="on"><div class="separator" style="clear: both; text-align: center;"><img border="0" height="320" src="http://2.bp.blogspot.com/-A5orm04rJuM/TkVR5AflhgI/AAAAAAAAFtk/dsDRcVKPaXc/s320/Capture.PNG" width="241" /></div><a href="https://docs.google.com/viewer?a=v&pid=explorer&chrome=true&srcid=0B26cFeYyZ30UZGRiMWNmZjUtNzIzNi00ZDIyLThmMzAtNzU3YWM5NWVmZjNm&hl=en_US">Monetary Theory & Policy</a></div>Shamshttp://www.blogger.com/profile/13126833528534019003noreply@blogger.com0